Written by Ford Stokes, RSSA, MBA
Are you worried about market volatility and looking for a smarter, safer alternative to traditional bonds?
The Aspida Synergy Choice Bonus 10 Fixed Indexed Annuity may be the solution you’ve been searching for, especially if you’re seeking protection, growth potential, and flexibility without the headaches of high fees or unpredictable returns.
Bonds Aren’t What They Used to Be
Traditional bonds have long been seen as a safe, dependable component of a well-diversified retirement portfolio. However, in today’s rising interest rate environment and with inflation eating into real returns, many investors are rethinking their reliance on bonds. Fixed income investments often offer low yields and can suffer price declines when interest rates rise. Did you know that the average go-forward Price to Earnings ratio (PE) for US Corporate Bonds in general is over 135x? I prefer to generate income for our clients via fixed indexed annuities vs. US corporate Bonds.
That’s where Fixed Indexed Annuities (FIAs) come in—and specifically, the Aspida Synergy Choice Bonus 10, a standout product in this space.
What is the Aspida Synergy Choice Bonus 10 Fixed Indexed Annuity?
The Aspida Synergy Choice Bonus 10 is a Fixed Indexed Annuity designed to provide both principal protection and market-linked growth potential. Unlike bonds that can lose value when interest rates increase, the Synergy Choice Bonus 10 offers zero downside market risk—your principal is never at risk due to market downturns.
Let’s explore why this annuity is gaining popularity as a bond alternative for both retirees and younger professionals alike.
Key Features of the Aspida Synergy Choice Bonus 10
✅ 15% Immediate Account Value Bonus
As soon as you fund your policy, you receive a 15% bonus into your account value. This bonus immediately boosts your retirement savings and starts compounding right away.
✅ 75% Participation in Invesco QQQ Index (Every 2 Years)
This FIA allows you to capture 75% of the growth of the Invesco QQQ Index over a two-year period. This index is known for tracking some of the most successful and innovative technology companies in the NASDAQ-100, such as Apple, Amazon, and Microsoft.
Unlike direct market investing, your money isn’t actually invested in the index. Instead, your returns are linked to its performance—giving you market-like upside without the risk of losing money if the market dips.
✅ 2-Year Lock-In Protection Period
Every two-year anniversary, any gains are locked in—meaning once you’ve earned them, you can’t lose them. This “reset” feature secures your growth and shields your portfolio from future losses.
✅ No Age Limit
Whether you’re in your 30s or in retirement, this product is available to you. In fact, many younger professionals are using the Aspida Synergy Choice Bonus 10 as a way to get market exposure with protection, all while avoiding high advisory or mutual fund fees.
✅ Up to 10% Withdrawals Annually – Penalty-Free
Life happens. Whether you need cash for an emergency, a big purchase, or just extra income, the Synergy Choice Bonus 10 allows you to withdraw up to 10% of your contract value annually without surrender charges.
You can turn up or turn down this withdrawal percentage each year, giving you maximum control over your retirement income.
✅ A- Rated by AM Best and Standard & Poor’s
Aspida is backed by strong financial ratings, ensuring you’re working with a reputable and stable insurance company. This adds a layer of trust and security that’s essential when selecting any financial product for your future.
✅ Zero Advisory or Management Fees
This annuity is fee-efficient, especially compared to other market-linked strategies or annuities that charge annual fees or administrative costs. The Aspida only shares in growth when there is growth, you’re not paying fees year after year just to hold the product.
Why Use the Aspida Synergy Choice Bonus 10 as a Bond Replacement?
- Principal Protection
Bonds may lose value if interest rates rise, but with the Aspida Synergy Choice Bonus 10, your principal is 100% protected. That’s a game-changer for conservative investors and risk-averse professionals.
- Attractive Growth Potential
Instead of earning 2–4% from traditional bonds (if that), the 75% participation in the Invesco QQQ Index offers exposure to high-performing tech and growth sectors. You get to share in the success of some of the top names in the market, without putting your money directly at risk.
- Lock-in Gains Every 2 Years
This feature gives you peace of mind knowing your gains won’t vanish during the next market crash. Bonds don’t offer this kind of performance security.
- Tax-Deferred Growth
Like all annuities, the Aspida Synergy Choice Bonus 10 allows your earnings to grow tax-deferred, giving your money more power to compound over time.
- No Income Rider or Management Fees
Many annuities come with riders that cost extra and slowly eat away at your returns. This product keeps it simple—no income rider, no hidden admin costs, no advisory fees, no annual maintenance charges. That’s what makes it one of the most efficient bond alternatives available today.
Who Is Buying the Aspida Synergy Choice Bonus 10?
This isn’t just for retirees. In fact, many of our clients in their 30s, 40s, and 50s are adding this product to their portfolio as a smart way to diversify out of market volatility while still capturing meaningful growth.
It’s especially attractive to:
- Accountants who understand the value of fee efficiency and compound growth
- Engineers and IT professionals who prefer logical, data-backed products with reliable structures
- Management professionals who want growth without constant monitoring or financial advisor fees
If you’re a high-income professional looking for a low-maintenance, no-drama growth strategy for your safe money, this is worth a closer look.
What Sets Aspida Apart?
Not all annuity companies are created equal. Many offer similar sounding products but hide the details in the fine print—layers of fees, spreads on gains, caps that limit your performance, and long surrender schedules.
Aspida stands out by offering:
- Transparency in how your money grows
- No annual fees
- No spreads on growth (you keep the full 75% participation)
- No advisor kickbacks—you don’t pay a portfolio fee just to own the product
And with the 15% upfront bonus added directly to your account value, you’re starting off 15% ahead on day one.
Retirement Results: Learn More, Take Action
If you want to learn more about the Aspida Synergy Choice Bonus 10—or get a custom illustration for your situation—let’s connect.
📞 Call us directly at 770-685-1777
📧 Email [email protected]
🌐 Visit www.retirementresults.com
🎙️ Or listen to our financial talk show Retirement Results on AM 920 The Answer and WDUN Radio in the Atlanta and Gainesville, GA areas—or wherever you get your podcasts.
Let us show you how this powerful annuity product can support your retirement or mid-career wealth strategy.
Summary: The Smarter, Safer Growth Alternative
If you’re tired of the unpredictability of the stock market and the underperformance of traditional bonds, it’s time to think outside the brokerage account.
The Aspida Synergy Choice Bonus 10 Fixed Indexed Annuity offers:
- Upfront 15% bonus
- 75% participation in the Invesco QQQ index every two years
- Locked-in gains every two years
- Zero market downside
- Zero fees or income rider costs
- Flexibility with up to 10% annual withdrawals
- Tax-deferred growth
- A-rated insurance backing
You don’t have to choose between safety and performance. With Aspida, you get both.
About Ford Stokes
Ford Stokes is the Founder and Chief Financial Advisor at Active Wealth Management, a private wealth management firm serving clients nationwide. He is a Registered Social Security Analyst (RSSA) and a trusted retirement income planner, radio show host, and author of several books on retirement planning, including The Smart Retirement Plan.
Ford brings over 15 years of experience in helping clients protect and grow their retirement savings. Before founding Active Wealth Management, he helped scale multiple financial firms, including a $3 billion Registered Investment Advisor and a $2 billion Independent Marketing Organization.
Whether through his radio show Retirement Results, public speaking, or one-on-one client consultations, Ford is passionate about helping hard-working Americans build a secure, tax-efficient, and fulfilling retirement.
You can contact Ford directly at [email protected] or schedule a free retirement review by visiting www.retirementresults.com.
Disclosures:
This blog post is for informational purposes only. Annuities are insurance products and may not be suitable for all investors. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Please consult a licensed professional before making any financial decisions.
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Active Wealth Management are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.
